FIA Credit Card Services? You’ve Been Warned

Posted by CreditCardGuru

You are probably unfamiliar with the name FIA Card Services, but it is among the largest issuers of credit cards in the world. But bigger isn’t always better.

Do you have a Bank of America credit card? If so, you probably have an FIA credit card – they are BofA’s wholly-owned subsidiary for credit cards. It seems kind of deliberately misleading for them to come up with some meaningless and mysterious set of letters that don’t actually stand for anything rather than just simply branding the company “Bank of America Credit Cards, Inc. or something like that. Many regional banks and retailers apparently outsource their credit cards to FIA Card Services. So even if you don’t knowingly have a Bank of America credit card there is a good chance you carry one of their FIA-branded cards.

Not every FIA card is a bad deal, mind you. However, many have qualities which are not so appealing, to put it nicely. Here’s are the biggest complaints heard on the forum:

Complaint #1: Sneaky rewards program

A good number of them use WorldPoints, which offer a substandard redemption value when exchanging a lower amount of points.

For example, if you redeem 2,500 points you would probably expect to get 1 cent per point and hence, a $25 value, right? Well with the WorldPoints program you would only get half that – $12.50. That’s quite a haircut. The conversion does get better the higher up you go, but it takes at least 25,000 points to get $0.01 worth per point.

Complaint #2: Feeling lost in the herd

Many rant about the customer support – or lack thereof – from FIA credit card services. If all these comments were discussed this post would be longer than Encyclopedia Britannica. However to sum it up, a number of people say that the customer service is less than accommodating. For example, requests for a one-time waived late fee, lower interest rate, etc. may experience a deaf ear.

That being said, over the past couple years many have reported an improvement when it comes to the FIA Card Services Bank of America division. Since the beginning of the year quite a few have noted being greeted promptly by a US-based customer service representative who seemed to be well trained/knowledgable.fine print about FIA card services

Complaint #3: No free lunch

It’s not that the interest rates or signup offers are exorbitantly high, but rather they are just middle of the road.

The highest cash offer recently seen to apply for a BofA card is only $100 and that was a “special invitation” or so they say. If you go on the Bank of America website you will see the bonus on a given card (and that’s if there even is a bonus) will typically be only $50.

The balance transfer offers are also a nothing to write home about. Getting 12 months at 0% isn’t “bad” but it’s doesn’t even compare to the 18 month offers you see from other major issuers.

Complaint #4: “A rather antiquated website”

When you login to manage your account, don’t expect anything amazing. For example here’s a recent forum comment from JenB to give you an idea why the website is not exactly an award winner:

“Back to the lameness of the website. You cannot set up any alerts on the FIA Card Services site. You cannot e-mail messages to them. You have to call and go through a BUNCH of prompts before you can ever speak to a live person – and then you get someone with a heavy accent.”

On the other hand, the website is usually uncluttered and free of ads, which is a positive that’s worth pointing out.

Complaint #5: Alleged unauthorized credit card payments

Have a bank account with money in it, but not paying your credit card bill? Well according to some allegations, payments have been involuntarily made in some circumstances.

On Debt Consolidation Care there is an article (followed by many comments) which allege “FIA is reported to have taken out money from consumer accounts without their authorization.” What follows are stories/comments which claim FIA Card Services tapped a customer’s bank account to pay off their credit card bill without their consent.

That being said, the majority of these complaints are a couple years old. If it is happening, my guess would be that authorization might have been given via the fine print agreements with the customer’s bank and/or credit cards. Either way, the simple way to avoid this alleged problem would just be to pay your darn bill, right?

But there is a silver lining…

Despite all the rants about FIA credit cards, there are some positives worth pointing out:

  • The Fidelity cards (for Fidelity account holders) offer a high 2% cash back reward on all purchases and jeffysdad, a Centurion Member of the forum, mentioned “Whenever I call customer service during regular business hours I get to speak to someone in the United States right away.” Because Fidelity is a respected brokerage firm and their reputation is on the line, you can bet they crack the whip on FIA to ensure there’s a superior level of customer service.
  • In addition to the card above, there are others with good rewards, too. For example, the BankAmericard Cash Rewards Visa Signature does not use those ugly WorldPoints and instead gives straight cash back.

Conclusion? An FIA credit card isn’t always a bad thing. You just need to be aware of the drawbacks which plague many of them.
This article was written or last updated August 4, 2014


-----
Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

43 comments... read them below or add your own

  1. Oldtechy December 2, 2014 at 12:51PM

    For many years, I have had (2)FIA cards via my Fidelity Brokerage:
    AMEX (2% CashBack) and the
    MasterCard (1-1/2% CashBack) (no longer offered)

    I like benefits; I don’t like the customer support services. I especially dislike that they do NOT provide ANY Online-communication options.

    Over the recent Thanksgiving Weekend, my MC account has “unauthorized charges”. Within 20 hours, five(5) identical $274.99 charges at walmart.com were “approved” by the jokers at FIA/BoA. I only discovered these fraudulent charges by a routine login to my online account.

    FIA/BoA must have had a LOT of issues, because Monday A.M., I could not reach any card-service support, fraud, etc. personal by any of 5 phone numbers I could find for them, Calls were either not answered, disconnected, or endless holds…

    FIA/BoA keeps phone service agents totally in-the-dark. Customer must always be transferred to another agent, who again wants to know why you called and needs to re-verify your identity; annoying & frustrating. Their personnel talk like robotics with poor hearing and lacking-empathy.

    The company must treat these employees horribly, because that is how these people treat their customers.

  2. A October 10, 2014 at 2:24PM

    In regards to point number 5. That is the right to offset it is the case with any bank. If you have a credit card through a bank, and you don’t pay it off. They have the right to offset the payment through your checking. Same goes if you overdrafted your checking, they will go into your savings to offset. Nothing illegal about the practice. Just pay your bills.

  3. Stacey October 5, 2014 at 8:22AM

    If you care about your card’s security, use a different credit card.

    I used to use my FIA card a lot, because it provided Shop Safe, a security feature that provides virtual card numbers for online shopping. Shop Safe has now been broken for a long time, and FIA refuses to fix the problem. I had to stop using my FIA card for online shopping.

    If you need a card that gives virtual numbers, get a Citi or Discover card instead. FIA is useless for this purpose.

    It’s a shame that FIA considers security to be such a trivial matter. Companies seem to care about security only when a hacking incident is reported in the newspapers. Then we get to read quotes from the CEO about how “our customer’s security is our prime concern”. The reality is that as long as a security problem is not reported in the newspapers, security gets ZERO attention from companies such as FIA.

  4. Steve September 21, 2014 at 11:56AM

    I have Fidelity Amex and Visa cards, serviced by FIA. The Amex is the card I use 95% of the time due to the 2% cash back. Too many Amex card number changes due to unspecified merchant compromises, and too many Amex random declines. I’m here to look for another issuer.

  5. 2ndRae September 14, 2014 at 3:44AM

    I accquired my FIA Visa credit card through my Fidelity brokerage account. I thought it was Fidelity’s card. It pays 2% cash back every 3months. I swip everything I can on this card. I can see my charges, balances and payments with just a couple clicks away from my brokerage account. I have an automatic withdraw to make full payments each month. Never an annual fee. I have never had a bad experience with them. Always good, clear customer service too. Could not be happier!

    • Oldtechy December 2, 2014 at 12:57PM

      from fidelity.com/….
      “… Earn 1.5 points for each $1 spent on the first $15,000
      … in purchases per year, and
      … 2 points per $1 in purchases made thereafter “

  6. judith September 5, 2014 at 11:08PM

    How do I get these idiots to stop calling me? They have been saying this is your last chance for over a yr. I try to tell them that I do not even own a credit card, so how are they going to lower my rates? Just stop calling, 3-4 times a day.

  7. Bass Pro Shops – Outdoor Rewards MasterCard August 24, 2014 at 12:42PM

    This unprofessionally ran FIA division has cost B of A and Bass Pro Shops a good customer.

    When shopping at BPS I was offered a discount on my purchase if I applied for a Conservation Card. I NEVER do this! Because my purchase was pretty large and because I shop at BPS a lot, I gave in. As my credit score was 825 I knew they would issue the card.

    My first bill came with a late charge and an interest charge. I immediately called and asked why. They said because I didn’t pay my first two payments. I told them this was the first statement I received!

    By the way, I have lived in the same house for the past 20 years.

    I finally convinced them to remove those charges and I paid 1/3 of the bill even the minimum was much less. I always pay my credit cards in full each month but in this case thought paying in three payments would help establish myself with them….WRONG.

    The next month I received a statement and paid another 1/3 of the balance.

    The next statement I received had another late fee included. I called again and they said I missed another payment.

    Now I ask you, I have lived in the same house for over 20 years, have had the same job for the same length and have a credit score of 825. Does that sound like someone who misses payments especially for this small of an amount?

    Regardless, I paid the card in full and immediately cut in up and discarded. I wrote a letter to B of A who by the way I have had another credit card with, a checking account, a savings account and CD’s with for over 15 years. I was upset because they reported this to the credit bureaus and my FICO dropped 20 points!

    In my letter I asked them to reconsider their report based upon my overall business with them and the fact that their billing department was a mess. I felt this was a scam to get extra money from a card holder.

    They responded that they could not do anything and they found their actions proper.

    Needless to say, Bass Pro Shops and B of A has lost a customer. I will never shop their again and I closed all of my accounts at B of A.

    Very near sighted and unprofessional to trust mid level managers with this decision making authority.

  8. Willy05 August 23, 2014 at 1:33PM

    I have had the Fidelity 529 Master card through FIA for a long time. 2% no questions asked and acceptable customer service. I recently added the Am Express Card with similar terms. Hardest part was linking the cards to the 529 investment accounts (for our grandkids). FIA was originally part of Fidelity, hence the initials. Name wasn’t changed when acquired by BOA. These really are among the best cards out there – 2% is better than ANY points program or those cockamamie variable reward programs.

  9. Nancy July 26, 2014 at 10:46PM

    These people send me notifications of renewal and accounts that I do not have nor have ever signed up for. Now they have sent me an unasked for credit card. Who knows where they got my name. They are sending it to New Zealand, United Kingdom so clearly they have got no idea even where NZ is. I get these on a regular basis all the way over here in little old NZ and throw them in the rubbish. The postage must cost them a bomb. Now they are sending me plastic as well.

    I consider them scammers, right up there with the NIgerians. I am astounded to read on this site they have something to do with Bank of America. If this is true, the BofA is right up there with the Nigerians too. But that is the way the corporates are going. They live to siphon money out of the pockets of the every day folks. They care nothing for the planet or the future.

  10. JEFF S July 18, 2014 at 10:47AM

    I’ll give you my store of complete incpmpetence.

    On 01 July I received a call I traced to Card Services although they hung up before I answered and left no message. I then went to my online web site (my card is the Fidelity Amex with 2% cash rebate) and got somebody who hardly spoke English, probably located in India or Ceylon or some place else, telling me that they think my card had been used fraudulently. Indeed it had been to the tune of a $2,000 charge. We went through the whole thing, he told me a new card would be sent to me. I told him I needed a new card immediately for I was leaving on a cruise to Bermuda on the following Sunday. He told me not to worry, the card would remain valid till 24 July. I said to send the new card priority. He said not necessary as my card would remain valid till 24 July. He then for some reason asked me if I wanted to close the account. I thought he was referring to the old account being replaced by a new one. So I must have said yes. He told me I would receive the new card in the post in 5 days, after leaving for my cruise. He also made a travel notation I wouold be in Bermuda.

    So I go on the cruise and try to use the card which supposedly remained valid till 24 July. It was declined. I had to use a different card which only gave me a 1% cash rebate for my incidental on the cruise not the 2% I should receive.

    I come home on Sunday 13 July. Go through the mail. No replacement card. I call FIA customer service why I hadn’t received the new card and why my card had been declined despite the fact I had been told it would remain open till 24 July and I had already also received one notice that an automatic payment to one of my automatic payees had been declined.

    I was informed, “oh you requested the account be closed so this account has been closed.” I said I never requested the account be closed. The moron who took the fraud report qand hardly understood English had apparently mis-interpreted my request to close the old account number with a request to simply close the account (despite the fact I run charges for over $1,000 per month on the average and have never been late for a payment. Okay, bad enough. So I told the customer serice rep to simply re-open the account as I had never requested it be closed (and had never received written notice to confirm the account be closed) and she said she couldn’t do that. I would have to speak to the credit department which is closed on Sunday and go through a new credit examination to re-open the account. I spent an hour going from one person to another who told me the same garbage.

    On Mondahy, i called back, got somebody in the credit department and went through a complete grilling including having to give my salary and I am sure they rang up another credit report on me (never looks good). Finally, she said it looks good and referred me to another perosn in the credit department who had to approve my request to re-open. She looked at the record and said she would approve the re-opening telling me I had a wonderful credit record with them. I said, fine. Now send me my new card priority mail and make sure it has an emv chip. She told me not to worry, they all do.

    On Tuesday evening, my neighbor knocked on my door with the card that UPS had delivered. Fine. End of problem, right? Well not exactly. The new card lacked the emv chip. Called back customer service. Oh I’m so sorry sir. We’ll get you out another card, priority mail. So I went through the whole rigormoroll of changing the automatic list of payees, updating my EZ pass account, my pay pal account.

    On Thursday, yesterday, I waited at home for the new card. By 6 PM it had not apparently arrived so I once again called customer service. Their records showed the card had been delivered at 1104 AM and had apparently given the card to a neighbor who didn’t seem to be home. The neighbor had apparently just placed the UPS envelope on his dresser but never gave it to me. It is probably still sitting there or maybe the driver gave it to somebody else who decided to walk off with the package (I doubt that but it’s always a possiblity).

    So this morning I once again called FIA and told them not to cancel the new account number that I would chance that the new card that was supposedly delivered was not being used fraudulently as I can monitor pending charges on their web site and everything still looked kosher and to send me my new card, with the emv chip, by regular mail. That’s where I stand as of this moment. I have a card lacking the emv chip and hopefully the card with the emv chip is not in improper hands. Of course I wish to complain to somebody about the total incompetence on the part of FIA.

    1. Why was I referred to somebody in India or wherever who could hardly speak English who misinter-reted my request to close the fraudulently used account number for a request to close the account?

    2. Why wasn’t that confirmed in writing?

    3. Why was I lied to and told my old account number would remain valid till 24 July?

    4. Why did I have to go through a new investigation of my credit to re-open the account. All some idiot at customer service had to do is press a button on the computer and re-open the account as it should have been obvious I had not requested the card be closed?

    5. Why was I sent a new card lacking the emv chip after I specifically told them to make sure my new card had the emv chip?

    6. Why when they use UPS to send something priority, do they not send me a tracking number?

    Just a total, unacceptable approach to somebody who is supposedly a good customer, who carges at least $1,000 each month, has never been late with a payment. And when Irequested somebody from FIA contact me with some authority, I am still waiting to hear.

  11. JBP June 25, 2014 at 10:12AM

    I used a balance transfer to FIA.. and thought I was getting 0% interest… So the first month, the balance minimum was $65.00.. then even though the balance went down the amount went up and I was not notififed.. So I get a late fee, they up the interest rate to 14.99 immediately.. no notification.. NEVER… I am paying this off and will dispute the fees and changes to the minimum payment. It is my understanding that they cannot change the minimum payment without notifying you… BUT of course they don’t… DO NOT I repeat DO NOT ever do business with these people.. They are the WORST!!

  12. Jim March 22, 2014 at 6:12PM

    I have had various credit cards services by FIA Card Services for almost 10 years. Most of my transactions over the last five years have been thru my Fidelity AMEX and my Fidelity VISA, both of which are serviced by FIA. I charge about $40,000 to $50,000 per year and always pay my balance on time.

    What you need to know is this: you absolutely cannot depend on FIA Card Services. You MUST have an alternate card serviced by someone other that FIA.

    Here is why:

    1)I made the mistake over and over again of linking recurring payments to my Fidelity cards – I have 20 or 30 of these recurring links active at all times. Twice in the last five years FIA has cancelled my card due to “Merchant Compromise.” When this happens, FIA doesn’t call you. You just get a new card in the mail and one to two weeks to drop everything you are doing, log in or call all of your linked accounts, and change the credit card number. When you call FIA, they absolutely will not tell you anything about the “compromise” – your card is cancelled, goodbye.

    2) FIA’s fraud algorithym absolutely stinks (I’ve owned and IT business for over two decades). Once or twice a year I have been standing in lines at grocery stores, at gas pumps in the middle of the night trying to buy gas, and found my card was declined. No call from FIA – your card is just declined. I call FIA (the number on the back of the card), wait five to ten minutes, talk to a customer services rep who then has to refer me to the fraud department, and finally get it straightened out. This year I was declined because I went to a gas station where I always fill up and then to a grocery store where I alwasy get my groceries and FIA told me that their fraud detection software had some sort of problem with that particular combination of transactions. I am a cancer patient who travels from my home town to a distant cancer center several times a year. I always pick the biggest truck/auto stops for fuel – usually Love’s. Typically, somewhere in the middle of my trip, my card will be declined. I have to call FIA to get it straightened out. Once, last year, it was 3AM, my card was declined, FIA’s computer systems were down, and I had to wait three hours in the middle of nowhere waiting for FIA’s computers to get back up so I could get gas and continue my trip.

    3) FIA customer service is the among the worst I have ever experienced. I used to run a customer service operation for a very large corporation, so I have some experience with this. It is not uncommon to find yourself dealing with a FIA customer service rep who, in my personal opinion, absolutely should not be in a customer-facing position of any sort. Particularly problematic are the personnel who staff the fraud department (who you will be dealing with on a regular basis if you use an FIA serviced credit card due to the fact that their fraud algorythm is so flakey).

    4) Finally, if you use Quiicken to track your credit card transactions you are going to have to manually download your transactions into Quicken each month because FIA has no way to automatically link Quicken to their website. That’s a real bother in my opinion, particularly with the volume of transactions I deal with on a monthly basis.

    Bottom line: After about a decade of dealing with FIA, I have finally decided that I cannot continue using any credit card that is serviced by them (they just cancelled my card again due to another “merchant compromise”). Earlier this year, I switched one of my Fidelity VISAs to Chase Slate. I am now giving up my Fidelity AMEX and another Fidelity VISA and switching these as well. While some of these cards have some good benefits (2% cash back on the Fidelity AMEX for instance), the hassle of trying to deal with FIA just isn’t worth it.

    • John May 16, 2014 at 7:31PM

      What is the mailing address to close my FIA credit card?

      What is the mailing address to close my BOA credit card?

    • PG August 12, 2014 at 3:41PM

      Amen Jim. same here. experienced all of this. my card shuts down twice per month due to their fraud algorithym being 20th century. too busy to switch but such a pain

  13. LYNDA March 12, 2014 at 1:07PM

    i HAVE RECENTLY FOUND OUT THAT FIA CARD SERVICES IS DBA WITH BANK OF AMERICA. THEY CALLED BECAUSE WE WERE LATE ON A BILL BY 5 DAYS. I ADVISED THAT THEY COULD USE OUR BUSINESS ACCOUNT THIS WAS APPROVED AS A ONE TIME ONLY PAYMENT. OTHER PAYMENTS WILL BE PAID BY ME FROM 3/12014 FORWARD. THEY ARE NOT TO REMOVE MONEY FROM OUR ACCOUNT AT WILL. THE GENTLEMAN WAS FAIRLY RUDE AND I DON’T APPRECIATE IT.

  14. bryan March 4, 2014 at 8:16PM

    Why in the hell is the website still down? Been down for a week or so now. Very dissapoint.

  15. Cato The Eldest February 26, 2014 at 7:11AM

    Part 2 of 2 posts: Add one more bit of information. secure.bankofamerica.com is another access site operated by BofAm. It has been down, unavailable for use to me, just like fiacardservices.com and ibsnetaccess.com, and for the same length of time. Other credit cards like an American Express card I have directly from Amex and including an FIA business card access, are all working fine. One of the three levels of tech support I worked with … and all were very professional and very nice btw … told me this was a “Texas problem”. FYI

  16. Cato The Eldest February 26, 2014 at 6:54AM

    fiacardservices.com defaults to ibsnetaccess.com for online access. I have three cards, two with Fidelity and one directly from BofAm, and none of them can be accessed online. This is the third day running that both web addresses have been down (Feb 24, 25, 26). I spent two hours working through three levels of web support and found nothing wrong with either the IE or the Chrome browsers I use. If you are having trouble with online access to your account(s) you are not alone. I contacted Fidelity, learned that they have been having this sort of outage … presumably because FIA is “updating” the system … for some time. It’s apparently a rolling outage, one area or state at a time.

  17. Rev. Kenneth H. Fails, Sr. February 17, 2014 at 7:20AM

    I have been recently harassed by FIA Credit Card Services. I am 65 years old and have been scammed by the best! I used this website to check on this organization. Thank you, I know now to stay away from it!

  18. upset consumer February 13, 2014 at 10:53AM

    I have a FIA card (Bank of Hawaii), there is a system wide problem, I was told they are changed my account number….for awhile there were 2 separate accounts showing even though there was only really one. Still my paper statement and card show on number and the online system shows another. No Notice, NO apologies, No explanation.

  19. Richard Sherman February 3, 2014 at 9:13AM

    FIA authorized a check without my permission even knowing the account was not active. Incurred multiple fees because of this and have been on the phone for a hour with BOA, BOA Check Fraud, FIA & another department. I’ve asked for a refund of all fees and charges, especially with the unfair business practice. To make it worse, they didn’t even use the correct address on the check and never made me aware. Watch out.

  20. E January 28, 2014 at 9:14PM

    Try to get the Fidelity card. All the phone numbers are different from the regular numbers.

  21. Hank October 30, 2013 at 5:36PM

    FIA is the worst. The web site is slow and lacks many features. To cancel an auto payment, you cannot do it on line. You have to call and wait and wait and wait. The service people are rude and don’t give a damn. Ask them for a conformation number or ticket number on an issue and they don’t have them Ask them for a name, they won’t give one. ask for a direct call back number and they don’t have one. Nothing but grief….DO NOT USE !

  22. e greenwell October 2, 2013 at 7:47PM

    I have FIA for27 years and thankful that I am able to go there when I have needed too. Have never had any problems at all with my FIA credit card.

  23. John September 23, 2013 at 8:05AM

    There is never a Supervisor aavailable at FIA Card Services. This is a lie and they know it, but the 8 representatives I spoke with tell it so often that they must have the same moral compass as FIA/Bank of America.

    • Hank October 30, 2013 at 5:37PM

      True…they pass you from one department to the next and drop your call on purpose.

  24. Sam July 25, 2013 at 9:51PM

    The FIA website is often down. The site lacks many of the features of other sites. You cannot contact them by e-mail with detailed information. They will not send you an e-mail with confirming information

    Customer Service is terrible. I asked one rep to hold so I could look up some information that he requested. He said that if he did not get the info in 2 minutes, he would hang up. I told him that I was on hold waiting for him for over 10 minutes and he said that he would hang up in 2 minutes if I was not back with the information.

    • Hank October 30, 2013 at 5:38PM

      The website is often down.

  25. MB July 22, 2013 at 4:07PM

    As of July 2013, this article is quite helpful as a lot of the information is spot on. The issue of illegally debiting your bank account when you told them to stop auto-debit goes on.

    However, customer service is still very bad. They will not help you or stonewall you. They will say the will transfer you and then drop you. Call back and the wound reconnect you to the same person. The will transfer you from department to department hoping you will get frustrated and hang up.

    I world not recommend using the Fidelity Card. This is the exact card I had a complaint with about FIA and will be calling Fidelity to complain vigorously.

    Bottom line—–> Do not use FIA—do not !

  26. Hawaii Man July 19, 2013 at 12:02PM

    Two MAJOR issues with FIA through Bank of Hawaii. I have tried and tried to set up auto payment but after spending 55 minutes ( I timed it), and getting their website to delete the last digit of each entry I was asked if I was using Internet Explorer and then told they don’t support it. Still don’t believe it.
    The reason I wanted to set up auto payment was because two months ago I sent in my payment with 6 days to due date, and it still did not get credited to my account. I was told since it arrived on a Saturday it would not be credited till Monday. They actually did it on Tuesday, and they would not remove the late fees. This month I sent my payment with signature requested and guaranteed delivery. They received my check on June 20 (due June23) and it took EIGHT days to credit my account! I was told the same lame weekend excuse (actually two weekends). Since I had proof they received it they removed the fees, but still sent me an incorrect statement. I closed the account.

    • MB July 22, 2013 at 4:11PM

      Wait until you try to Cancel autopay or autodebit. Even if you told them not to online, they still autodebit and you get fees when your account is overdrawn. Buyer beware—-STAY AWAY from FIA !

  27. S June 5, 2013 at 11:53AM

    My favorite with them – you are making your payments regularly and on-time and they still like to call to harass you into setting up an automatic payment with them because you do not hold any personal bank accounts at BOA in order for them to draft the money on their own.

    Quite frankly if I am paying my credit card on time and for the amount which is specified for the payment that month then do not call and harass the customer – look up the definition of harassment BOA & FIA.

  28. sr June 4, 2013 at 11:54PM

    Bad service, misleading advertisements, at least from my experience.

  29. Rick May 19, 2013 at 4:04PM

    My 86 year old mother, horribly plunged into dementia, is having about $350 a month taken out of her checking account by FIA, totally WITHOUT AUTHORIZATION. This is quite an accomplishment, because it’s a new (10 month old) account my brother and I opened, in a bank where she previously had no checking account. He didn’t authorize this, I didn’t, and my mother doesn’t even know she has this account. I just completed two phone calls to FIA; in the first, a woman said she’d put me through to a human being in the proper department, she put me through to and endless chain of recordings that wanted my card# or Social Security #! Yeah, I’m gonna give these s’bags my mom’s SS#….

    The 2nd call started slightly better; I informed the (different woman) that I have power of attorney for my mom, that FIA has been making LARGE, unauthorized withdrawals, and she told me I have to file the POA papers, or she couldn’t give me any information. I told her “No, I spend half my time filing POA papers with people, banks, etc. all over the country, people I need services from. Right now I don’t need anything from FIA, except to know why they’re taking huge chunks of my mom’s money without authorization. Right now, the burden of proof is on FIA. And if I don’t get an answer by the time we get off the phone, I’ll make the 3 hour drive to my mothers bank tomorrow morning and shut off the taps”.

    She told me that FIA would probably just start taking the money out of A DIFFERENT ACCOUNT! Honest to god. So I told her “I’ll cash out all her accounts and stuff the money under her mattress (shouldn’t have told them that). If that’s what I have to do to get somebody’s attention at FIA, to get an answer out of somebody, that’s what I’ll do.”

    And not only did FIA start automatic, unauthorized withdrawals, several other morally bankrupt outfits followed suit (AAA Financial Services, Capital One ARC, Verizon West ARC, one more I can’t recall right now). How the hell did they find my mother’s checking account? And how the hell do they look at themselves in the mirror?

  30. lance January 31, 2013 at 9:10AM

    I am trying to find a phone number for Bank of Aerica FIA card services. I need to talk to someone with a credit problem. Any help?

    • K February 22, 2013 at 11:07AM

      call 1.800.655.1491 to speak to an Account Manager
      shop safe 800-877-5749

  31. Horace G. Edmondson Jr. December 5, 2012 at 5:12PM

    As a card holder for many years & never had an outstanding balance, I object to frequent [ almost daily] phone calls advising me that I can lower my monthly payments. Bank of America Customer Service,promised me they would stop, but they haven’t. My phone is listed on the do not call list , but I still get these nuisance calls. What must I do to STOP THESE CALLS?

    • Ann March 22, 2013 at 6:23AM

      Tell them you will file a lawsuit for harrassment. They cannot continue to call you if you have requested that they stop. This is considered harrassment.

  32. George October 19, 2012 at 9:40AM

    I just noticed that my FIA card account is no longer associated on their website. I have been using it since 2005 and I always check my account online but all of a sudden since this week, when I log in it takes me to the password page but then after I enter the password, I get the message that the account is not associated with FIA. But then I try to register again, it says the card number is wrong and then when I call FIA, the call is being transferred to BOA and they say that your card number is not pulling up on our system and then again when I call after 5 minutes, I am told that I will be getting a new card from BOA. I don’t know what is going on. There is no information about the merger. I am worried and frustrated.

    • Sue October 30, 2012 at 7:04PM

      I have had the same experience with my account. I received new cards in the mail last week from BOA. When I talked to customer service they said that I would be able to use my existing points through the end of October, but the World Points website says that my account is not associated. My rewards do not show on the BOA site either. Very frustrated to loose 10,000+ points that I planned to use to pay for my rental car on vacation next week.

  33. f. jones August 19, 2012 at 5:11PM

    I don’t understand why my FIA card is being transferred to BOA.

    • K February 22, 2013 at 11:13AM

      Cause BOA bought them! Not a transfer. BofA Points were very difficult to manage so I switched to FIA –surprise — I haven’t really switched at all. But yes, it is easier thru Fidelity. Fidelity perk points become cash in my retirement acct.

Leave a Comment

*